Home Insurance in Brownstown, Pennsylvania
Homes in Brownstown carry a median value of $70,900 - 41% lower than the Cambria County median.
The median home in Brownstown was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 78% of homes were built before 1960, about 22 points above Cambria County's 56%.
Housing in Brownstown breaks down to 91% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Brownstown, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Brownstown are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in Brownstown are primarily heated with natural gas.
FEMA rates Cambria County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Cambria County had 561 active NFIP flood policies as of September 2026. See the full Cambria County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $70,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Cambria County | 561 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)